Client Review

All of the people I dealt with were very helpful and professional.

All of the people I dealt with were very helpful and professional. I aleadal have recommended them to a friend if mine... read more

- Debbie Young

Clay County Debt Settlement

Reduce your unsecured debt and regain control of your finances! Effective Clay County debt settlement and debt negotiation can reduce your debt by up to 50% in reduced principal and fees.

There are many reasons why someone may struggle with personal debt. It’s not uncommon for people to need financial advice and support at some point in their life. Whether you are facing a personal loss, change in employment or income, or are simply dealing with the impacts of bad financial advice, debt can be an extra burden that only makes the situation worse. The average credit card debt in Florida is 12th worse in the nation and impacts people of all ages and income levels.

Our Certified Debt Specialists understand that struggling with debt shouldn’t keep you from living your life. We negotiate with your creditors to effectively reduce your total debt amount, establish a lower monthly payment, and decrease the total number of payments needed. We don’t just take your debts and turn them into new loans through debt consolidation, and we are not a nonprofit credit counseling agency. We eliminate debt with negotiation and debt settlement for a reduction in overall payments.

Our assistance begins with a free, no-obligation evaluation of your debt and current financial situation. If you are tired of harassing phone calls and unable to make ends meet, we have the solution for you. Our debt relief company is here to provide Clay County FL residents the debt solution they need for a happier life and better financial situation tomorrow.

Effective Clay County Debt Relief Program

If you are facing financial hardship, good news is here. Our debt relief program consists of 4 steps to financial freedom through debt settlement and negotiation.

Our first step to consumer debt settlement is your initial free evaluation with a Certified Debt Specialist. We review your financial situation, outstanding debts, and current payments to fully understand what you owe and what you can reasonably afford to pay. We then provide a savings estimate.

Next, we personalize our debt reduction program to your needs and weigh your debt relief options. We define our debt settlement strategies and do all of the setup needed for you to effectively manage and monitor your debt resolution plan. Our online portal makes it easy for you to access your program anytime, access our debt resources, or communicate with your debt reduction specialists.

Once we have determined the proper course of action for your specific needs, we begin the negotiation and settlement process. We have many different tactics and strategies that we employ during this phase. Not only do we reach out to creditors to negotiate on your behalf, we understand the specific thresholds at which certain actions typically take place. We know how different types of organizations typically handle bad debt, and are able to utilize that information to properly time our negotiations for maximum effectiveness.

As your program moves forward, you will have direct access to your online client portal and our debt settlement experts to answer questions and assist you on your journey towards better financial health. We have tools in place that allow us to reduce the amount of contacts creditors have with you.

If you are looking for an effective solution for reducing your debts and regaining control of your finances, debt settlement with First Choice Credit Management is the right solution for you!

Settle For Less Than You Owe

Debt consolidation in Clay County Florida and credit counseling focus on combining debt so it is easier to manage. Debt settlement is different in that it focuses on actually reducing both your total outstanding debt as well as reducing the number of monthly payments so you are out of debt faster. This is accomplished through effective debt negotiation. Debt settlement is one of the most effective solutions for credit card debt relief.

Whether you are facing unsecured loans, credit card or department store card debt that is piling up beyond your means to pay, we can help. We contact your creditors, lenders, and debt collection agencies to negotiate reduced debt settlements.

This isn’t just moving debt from one loan to another like credit card consolidation. This is a negotiation of your unsecured debt that results in debt reduction levels averaging 50%.

Our dedicated debt settlement experts provide a personalized approach. We negotiate a payment solution that works for you just like we have for our other success stories, so you can focus on getting back to what really matters.

Benefits of Debt Settlement

Debt settlement provides many benefits. Not only does it allow you to take charge of your finances, it reduces your debt obligation, and gets you out of debt faster. There are other positive outcomes as well. It can help you avoid wage garnishment and is the first step to establishing a positive credit score. Managing your debts can even help you avoid foreclosure!

Debt settlement, debt consolidation loans, and other debt management programs in Clay County can be effective alternatives to bankruptcy. Instead of seeking legal advice from a bankruptcy attorney, consider the other, less expensive options available to you, such as working with a debt counselor or debt settlement specialist. We can help you get your finances back on track, and having a plan for managing your debt is a key element of foreclosure defense.

Clay County Debt Settlement Company

Our Clay County Florida debt settlement experts are ready to get to work for you. If you are having a hard time paying your bills, have recently had a reduction in income, or fear that your creditors won’t work with you for much longer, we can help.

With effective debt settlement negotiation, our experts can reduce your total debt and debt payment time, all while keeping payments manageable for you.